The insurance would compensate through cash-replacement value (in the legal term sense, not literal)... Not the actual thing. But that would only be my guess from my dealings with insurance.
It's like a safety net policy. If you don't get your end, file a claim and the trade then becomes a sale instead. Then they hound the bastard that flaked for their comp. The service could be good. I just wouldn't take the 'articles' word for it.
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